Paycheck Calculator Ohio 2026: Take-Home Pay
This paycheck calculator for Ohio turns your gross pay into net pay after 2026 federal income tax, Social Security, Medicare, Ohio's 2.75% flat income tax, and your city and school district income tax — calculated privately in your browser.
A paycheck calculator for Ohio estimates your take-home pay by subtracting federal income tax, Social Security (6.2%), Medicare (1.45%), Ohio state income tax, and any city or school district income tax from your gross wages. For 2026, Ohio taxes income above $26,050 at a single flat rate of 2.75%, so most of the state-level variation comes from local taxes.
Ohio Payroll Tax Overview for 2026
Ohio's 2025-2027 budget (House Bill 96) cut the top rate from 3.5% to 3.125% for 2025 and replaced the brackets with a flat rate for 2026: $0 tax on Ohio taxable income up to $26,050, then $332 plus 2.75% of the amount over $26,050 (Ohio Revised Code 5747.02). Ohio taxable income is your Ohio adjusted gross income minus personal exemptions of $2,400, $2,150 or $1,900 per person depending on income (ORC 5747.025); from 2026 no exemption is allowed once Ohio modified AGI reaches $500,000. Ohio has no standard deduction and no state disability (SDI) payroll tax.
Federal withholding in this calculator uses the 2026 brackets and standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) from IRS Rev. Proc. 2025-32. For single filers: 10% up to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above. Social Security is 6.2% of wages up to the 2026 wage base of $184,500 (SSA); Medicare is 1.45% of all wages plus an extra 0.9% that employers withhold on wages above $200,000.
Ohio Income Tax Rate: 2024 vs 2025 vs 2026
| Tax year | Taxable income up to $26,050 | $26,050 to $100,000 | Over $100,000 |
|---|---|---|---|
| 2024 | 0% | 2.75% | 3.5% |
| 2025 | 0% | 2.75% | 3.125% |
| 2026 (flat) | 0% | 2.75% | 2.75% |
Because the 2026 schedule adds a fixed $332 the moment taxable income passes $26,050, Ohio has a small "cliff" at that threshold. Above it, every extra dollar is taxed at 2.75%, so a $60,000 earner's effective Ohio rate is about 2%.
Paycheck Calculator Ohio Worked Example: $60,000 Salary
Here is how this paycheck calculator for Ohio handles a single filer earning $60,000 a year, paid biweekly (26 checks of $2,307.69), with no pre-tax deductions, living and working in a city with a 2.5% income tax such as Columbus or Cleveland. Press "Load Example" above to reproduce it.
| Line item | How it is calculated | Per year | Per paycheck |
|---|---|---|---|
| Gross pay | $60,000 / 26 | $60,000.00 | $2,307.69 |
| Federal income tax | 10% of $12,400 + 12% of $31,500 (after $16,100 deduction) | $5,020.00 | $193.08 |
| Social Security | 6.2% of $60,000 | $3,720.00 | $143.08 |
| Medicare | 1.45% of $60,000 | $870.00 | $33.46 |
| Ohio income tax | $332 + 2.75% x ($57,850 - $26,050), after $2,150 exemption | $1,206.50 | $46.40 |
| City income tax | 2.5% of $60,000 | $1,500.00 | $57.69 |
| Take-home pay | Gross minus all taxes | $47,683.50 | $1,833.98 |
In this example the city tax ($1,500) is larger than the Ohio state tax ($1,206.50), which is why an Ohio take-home pay estimate that ignores local tax will usually be too high.
Ohio City and School District Income Tax
Most Ohio cities and villages levy a municipal income tax on wages; Columbus and Cleveland both charge 2.5%. Your employer withholds tax for the city where you work, and your home city may charge the difference if its rate is higher. Separately, about 210 Ohio school districts levy a school district income tax, at rates from 0.25% to 2% in 2026 (Ohio Department of Taxation), which applies based on where you live, not where you work. Enter both rates in the optional fields above. To work out credits between your work city and home city, use the Ohio municipal income tax calculator (RITA / CCA).
How to Use This Ohio Paycheck Calculator
Choose your pay period (weekly, biweekly, semimonthly, monthly, or annual), select your federal filing status, and enter your gross pay for one pay period. If you have pre-tax deductions such as 401(k) contributions, health insurance premiums, or HSA contributions, enter the per-period total; they reduce federal, Ohio and school district taxable wages. Add your city and school district rates if they apply, then calculate.
To lower the tax on each Ohio paycheck, increase pre-tax contributions: in 2026 you can defer up to $24,500 into a 401(k) and contribute up to $4,400 to a self-only HSA. Results are annual-liability estimates: actual withholding follows your W-4, Ohio IT 4 and employer payroll tables, and the calculator does not model dependents, tax credits, or the Ohio joint filing credit. Social Security and Medicare are applied to full gross pay, and city tax to gross wages, which is conservative for most workers.
Last updated: October 2026. Sources: Ohio HB 96 / ORC 5747.02 and 5747.025, IRS Rev. Proc. 2025-32, SSA 2026 contribution and benefit base.
Frequently Asked Questions
Does Ohio have state income tax?
Yes. For 2026 Ohio taxes nonbusiness income, including wages, at a flat 2.75% on Ohio taxable income above $26,050 (the tax is $332 plus 2.75% of the excess). Income of $26,050 or less after exemptions owes no Ohio income tax.
What is the Ohio state income tax rate?
Ohio's 2026 income tax rate is a flat 2.75% on taxable income over $26,050, set by House Bill 96. In 2025 the top rate was 3.125% and in 2024 it was 3.5%.
How is take-home pay calculated in Ohio?
Take-home pay in Ohio is gross pay minus federal income tax (10%-37% after the standard deduction), Social Security (6.2%), Medicare (1.45%), Ohio income tax (2.75% over $26,050), any city or school district income tax, and pre-tax deductions such as 401(k) or health insurance.
What payroll taxes apply in Ohio?
Ohio employees pay federal income tax, Social Security (6.2% up to $184,500 in 2026), Medicare (1.45%, plus 0.9% withheld above $200,000), Ohio state income tax, and usually a municipal income tax. Employers match Social Security and Medicare.
Does Ohio have SDI or disability tax?
Ohio does not have a state SDI or disability insurance payroll tax deduction.
How much is $60,000 after taxes in Ohio?
A single filer earning $60,000 in 2026 with no pre-tax deductions takes home about $47,684 a year, or $1,833.98 per biweekly paycheck, after federal tax ($5,020), Social Security ($3,720), Medicare ($870), Ohio tax ($1,206.50), and a 2.5% city tax ($1,500). Without city tax, take-home is about $49,184.
What is the Ohio school district income tax?
It is a separate income tax that about 210 Ohio school districts levy on residents, at rates from 0.25% to 2% in 2026. It is based on where you live, not where you work, and some districts tax only earned income such as wages.